4681 Marblehead Bay Dr, Oceanside, CA 92057 Property Records

San Diego County property record for 4681 Marblehead Bay Dr, Oceanside, CA 92057

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,031 sqft · built 1994
Lot Size	0.179 acres (7,807 sqft)
Owner	2 Individual Names on Record
Last Sale	$610,000 (May 2019)
Tax Bill	$7,774 (2025)
Deeds & Mortgages	Feb 2022 Mortgage Nov 2020 Mortgage + 3 more
Flood Zone	Zone X (moderate risk)
APN	`122-396-40-00`

Property Details

APN / Parcel Number

Primary APN	`122-396-40-00`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Building Area	2,031 sqft Living Area

Exterior

Year Built	Built 1994
Effective Year Built	Effective 1994
Lot Area	7,807 sqft (0.179 acres)
Parking Spaces	3 Parking Spaces

Location & Zoning

Street Address	4681 MARBLEHEAD BAY DR
City	OCEANSIDE
State	CA
Zip	92057-4268
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS
Legal Description	LOT 486 TR 012381
Legal Subdivision	WHELAN RANCH
Legal Tract	012381
Legal Block	1
Legal Lot Number	486
Jurisdiction	SAN DIEGO CA
Township / Civil Division	OCEANSIDE-ESCONDIDO
Census Block Group	1
Census Block	1005
Census Tract	18609

Owner

Source: San Diego County records, as of July 28, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	4681 MARBLEHEAD BAY DR, OCEANSIDE, CA 92057-4268
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Community Property

Deeds, Mortgages & Sale History

Date	Document
Feb 18, 2022	Deed of Trust, Mortgage · VA Mortgage UNITED WHOLESALE MORTGAGE
Nov 18, 2020	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE
May 14, 2019	Grant Deed, Transfer · VA Mortgage UNITED WHOLESALE MORTGAGE
Jul 17, 2018	Deed of Trust, Mortgage · Conventional Mortgage ANCHOR LNS
Jul 17, 2018	Grant Deed, Transfer TICOR TITLE-SAN DIEGO

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 14, 2019 · Amount on Record
Deed Sale	May 14, 2019 · Amount on Record
Prior Sale	Jul 17, 2018 · Amount on Record
Deed Document Number	2019181957
Transfer Doc	0000312718
Record Updated	Oct 29, 2026

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	4681 MARBLEHEAD BAY DR, OCEANSIDE, CA 92057-4268
Transaction Type	Mortgage
Record Updated	Mar 2, 2022
Title Company	TICOR TITLE ORANGE COUNTY BR, TICOR TTL ORANGE CNTY BRANCH

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4681 MARBLEHEAD BAY DR, OCEANSIDE, CA 92057-4268

Mortgage

Document Number	0000077379
Date	Feb 18, 2022
Instrument	2022-0077379

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2052

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	4681 MARBLEHEAD BAY DR, OCEANSIDE, CA 92057-4268
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	TICOR TITLE SAN DIEGO BRANCH

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4681 MARBLEHEAD BAY DR, OCEANSIDE, CA 92057-4268

Mortgage

Document Number	0000727707
Date	Nov 18, 2020
Instrument	2020-0727707

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2050

May 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	May 14, 2019
Property Address	4681 MARBLEHEAD BAY DR, OCEANSIDE, CA 92057-4268
Document Number	0000181957
Map Reference	MAP 12381
Instrument Date	Apr 11, 2019
Instrument	2019-0181957
Transaction Type	Transfer
Record Updated	Aug 24, 2021
Title Company	TICOR TITLE SAN DIEGO BRANCH

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	4681 MARBLEHEAD BAY DR, OCEANSIDE, CA 92057-4268

Mortgage

Document Number	0000181958
Date	May 14, 2019
Instrument	2019-0181958

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2049

July 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	4681 MARBLEHEAD BAY DR, OCEANSIDE, CA 92057-4268
Document Number	0000299264
Instrument Date	Jul 17, 2018
Transaction Type	Mortgage
Record Updated	Nov 21, 2018
Title Company	PROVIDENT TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	4681 MARBLEHEAD BAY DR OCEANSIDE CA 920574268, OCEANSIDE, CA 92057-4268

Mortgage

Document Number	0000299264
Date	Jul 23, 2018
Instrument	299264

Lender

Name	ANCHOR LNS
Type	Funding / Finance Company
Address	CALABASAS, CA 91302

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

July 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Jul 17, 2018
Property Address	4681 MARBLEHEAD BAY DR, OCEANSIDE, CA 92057-4268
Document Number	0000291158
Instrument Date	Jun 28, 2018
Instrument	291158
Transaction Type	Transfer
Record Updated	Jul 26, 2018
Title Company	TICOR TITLE-SAN DIEGO

Transaction

Amount	Amount Recorded
Tax	$550.00
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	1025 W LAUREL ST #106 SAN DIEGO CA 921011254, 106, SAN DIEGO, CA 92101-1254

Tax Assessment & Valuation

Source: San Diego County assessment roll, as of July 28, 2026

Property Jurisdictions

Type	Name
State	California
County	San Diego County
Municipality	Oceanside City
Unified School District	Oceanside Unified School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026		$694,068 (+2%) Land $183,598 Building $510,470
2025	$7,774.00 (+5.15%)	$680,460 (+4.04%) Land $179,999 Building $500,461
2023	$7,393.00 (+1.54%)	$654,039 Land $173,010 Building $481,029
2022	$7,281.00

Assessed value is set for property tax purposes and is not a market price estimate.

Flood

Source: FEMA National Flood Hazard Layer, effective September 3, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	6 in force
Nearby Flood Claims	2 (1998–2018)
Claims Outside the SFHA	2 of 2
Most Recent Claim	Nov 2018 · alluvial fan flooding

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 64% of the US · lower than 79% of California
Wildfire Likelihood	0.06% annual chance
Exposure	Indirect within ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	CITY OF OCEANSIDE serves 174,340 people · EPA ID CA3710014
Water Source	Purchased surface water from several systems
Lead	Under 1 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 447 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Cox Communications Cable	2,000 / 100
San Diego Broadband Fixed Wireless	500 / 100
Verizon Fixed Wireless	300 / 20
AT&T DSL	100 / 20

May also be available: T-Mobile.

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